Download our Mobile App

Available with Online Banking

Visit one of our three locations to sign up for Online Banking

Mortgage Calculator

Calendar

Mobile Banking

Personal Banking

Come visit our friendly and helpful staff at a branch near you!

Business Banking

We offer competitive alternatives for businesses, including non-profit organizations.

Fixed Rate Mortgage

With terms up to 30 years, a Fixed Rate Mortgage provides you with the security of a monthly payment that doesn’t change: – The longer the term of your loan, the lower the monthly payments. – A shorter term will allow you to pay it off quicker and save more on interest costs, though your monthly payments will be higher. – The loan interest rate will never increase over the life of the loan.

10/1 Year Adjustable Rate Mortgage

*10/1 Year Adjustable Rate Mortgage – is a variable rate loan that has a fixed rate for the first 10 years of the loan. The rate can then increase or decrease every year for the remaining life of the loan with a maximum per change of 2% and a lifetime maximum change of 6%.

5/5 Year Adjustable Rate Mortgage

5/5 Year Adjustable Rate Mortgage – is a variable rate loan that can increase or decrease every 5 years with a maximum per change of 2% and a lifetime maximum change of 6%

3/3 Year Adjustable Rate Mortgage

3/3 Year Adjustable Rate Mortgage – is a variable rate loan that can increase or decrease every 3 years with a maximum per change of 2% and a lifetime maximum change of 6%

Banking For You

We Offer a Variety of Mortgage Products

Get pre-qualified by contacting Loan Originations

Helping to Keep You Informed

Bank of Richmondville is committed to keeping you informed about online security issues.

Protect Yourself from Data Breaches

We live in an era where data breaches and compromised customer information is almost commonplace, everyone should be careful when...

Identity Theft

Worried about how much of your private information is on the internet and vulnerable to theft or misuse? You’re not...

Online Safety Tips for Seniors

Online scams are becoming increasingly sophisticated, targeting people of all ages. But with some knowledge, you can protect yourself and...

Your Neighbors.
Since 1893.

We’re your neighbors, part of the community, and the banking professionals our area has trusted since 1893. Along with our rich history, Bank of Richmondville is also an innovative institution bringing you a valuable array of smart, safe financial products and services. Sit down and talk with us, the people who care about you and your banking needs. Discover a world of possibilities with our personal, knowledgeable touch.

Schoharie Office

428 Main Street, PO Box 488, Schoharie, NY 12157

(518) 295-8884 Get Directions

Richmondville Office

284 Main Street, PO Box 130, Richmondville, NY 12149

(518) 294-6661 Get Directions

Cobleskill Office

857 East Main Street, PO Box 40, Cobleskill, NY 12043

(518) 234-4397 Get Directions

ROUTING NUMBER: 021308396